I Know The Broker in Sunshine Coast, Queensland | Mortgage brokers

I Know The Broker

Locality: Sunshine Coast, Queensland

Phone: +61 410 413 196

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• Loan service
• Mortgage brokers
• Investing service
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25.01.2022 Self-Employed or know someone that is? The Federal and State Governments have released a number of business support packages. I encourage those affected to take the time to familiarise yourselves with these packages and to apply for all the support you need. Please find below Federal and State Government links for COVID-19 business support:... QLD https://www.business.qld.gov.au/ FEDERAL https://business.gov.au//coronavirus-information-and-suppo VIC https://www.business.vic.gov.au//coronavirus-business-supp NSW https://preview.nsw.gov.au/covid-19/businesses-and-employees SA https://www.sa.gov.au/covid-19 WA https://www.wa.gov.au//covid-19-coronavirus-business-and-i ACT https://www.covid19.act.gov.au/economic-support TAS https://www.stategrowth.tas.gov.au/coronavirus NT https://coronavirus.nt.gov.au/community-advice/business

24.01.2022 Handy Mortgage Calculator !

24.01.2022 Rate of the Week!

24.01.2022 Thinking of enquiring for finance online? STOP! Making enquiries can damage your credit score. Watch to find out more. https://www.youtube.com/watch?v=6Q4qvQexx04

21.01.2022 Everyone deserves financial freedom, and by that we mean having enough savings, investments and cash on hand to afford the lifestyle you want for yourself and your family, allow you to retire or pursue the career you want without being driven or restricted by what you earn. Speak to us about a plan to build up your equity.

21.01.2022 QUESTION OF THE WEEK Do I even need a mortgage broker? On a personal level, I believe absolutely! There are so many benefits to using a mortgage broker. Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to get it right. ... Here are 7 Reasons why we believe mortgage brokers are the way to go: - Here at I Know the Broker we coach you through the buying process. From how to make an offer, negotiate on finance and settlement terms and deposits. - We aren't tied to any particular lenders or products. We make sure we match you with the lender that matches your circumstances. This will save you time, confusion and having the need to make multiple applications. - Our home loan service is free! - You can benefit from our experiences as we have many years of experience in the finance and credit industry. Fully accredited with the MFAA, Diploma in Finance and Advanced Diploma in financial planning. - We speed up your application process and have the ability to escalate if short time frames need to be met. - We specialise in all different types of loans from home loans, investment loans, car loans, personal loans, business loans, commercial loans and asset loans. - Most importantly, we will make the home buying process a smooth and stress-free experience for you! It’s important to be aware that not all mortgage brokers are equal, so be sure to use one that is fully accredited by the Mortgage and Finance Association of Australia (MFAA). Choosing a home loan is one of the biggest financial decisions you’ll make in your life, so why not get free expert home loan advice?

20.01.2022 I often get asked the question "What is a finance clause?" Well, a subject to finance clause tells the vendor (property seller) that you legally agree to the purchase on the condition that you receive formal home loan approval from your bank. It protects you from losing your deposit or being sued for damages by the vendor should your loan be declined. However, there are slight differences between each state.... Standard contracts in Queensland include a finance clause but it must be completed in full for the clause to take affect. A 14-21 day finance clause is most common but a longer timeframe can be negotiated with the vendor.

19.01.2022 Happy Friday everyone !

19.01.2022 Analysts are predicting the housing market is about to go through another boom, find out if your suburb is set to soar here Speak to us about your loan.

19.01.2022 Credit Card weighing you down?

18.01.2022 Did you know that here at I Know The Broker, we do personal loans? Personal loans can be used for any personal expenses and don’t have a designated purpose. You could take out a personal loan for a range of different reasons. While one person might need a personal loan to deal with outstanding credit card debt, another might take one out to buy a car or even to take their dream vacation! Like other loans, personal loan terms depend on your credit history. There's a large number of personal loans available, so why don't you contact us today to find out which is the best for you!

17.01.2022 With housing prices still at all-time lows and interest rates continuing to fall, now is a great time to enter the property market! Find a place you can call home and speak to us about a loan today.

17.01.2022 Property Share - House Together, Finances Separate An easy to manage home loan option which allows borrowers to purchase a property together but keep their finances separate. It helps both first time buyers and investors get into the property market sooner. Get in touch for a handy fact sheet outlining how it works with an example.

15.01.2022 QUESTION OF THE WEEK What exactly does a Mortgage Broker do? Great Question! A Mortgage Broker's role is to help you obtain a home loan or mortgage. The broker acts as an intermediary, negotiating between you and lenders such as banks, building societies, credit unions, or other credit providers including online only lenders. A broker will then asses loans suitable for your financial situation, compare home loan products from a number of different lenders on your behalf and manage the mortgage application process all the way to settlement and beyond!

14.01.2022 MONEY SAVING TIP OF THE WEEK! Christmas is fast approaching! Create a family spending limit on gifts. Discuss placing spending limits on gifts within your family and/or a system where you only purchase one gift for one person over the holidays. These limits tend to reduce expenditures and be greatly appreciated by family members with less financial flexibility.

13.01.2022 Has COVID impacted you and you need to discuss potential hardship issues with your lender regarding mortgage relief? If so, I will post a list of lenders we work with. Patience might be needed given the volume of calls some lenders are receiving. We are absolutely here to support you as well, so please contact us directly if you have questions. AMP 13 30 30 https://www.amp.com.au/home-loans/financial-hardship ANZ 1800 252 845 https://www.anz.com.au/a/sustainability/fi...nancial-hardship/ Bankwest 1300 769 173 https://www.bankwest.com.au//guides/financial-hardship-ass CBA 13 3095 https://www.commbank.com.au/suppo/financial-difficulty.html Citi Bank 1800 722 879 https://www1.citibank.com.au/help-and-su/financial-hardship Firstmac 1800 651 898 https://www.firstmac.com.au/products/faqs Homeloans - Resimac 1300 793 741 https://www.resimac.com.au/hardship-resimac-funded-loans Homloans - Pepper https://www.resimac.com.au/hardship-wholesale-partner-funde ING Direct 1300 349 166 https://www.ing.com.au//tips-hints/financial-hardship.html Liberty 13 11 33 https://www.liberty.com.au/about-us/covid-19-update Macquarie 1300 363 330 https://www.macquarie.com//disclos/financial-hardship.html ME Bank 13 15 63 https://www.mebank.com.au/support/financial-hardship/ NAB 1800 701 599 https://www.nab.com.au//help-and-guidan/financial-hardship Pepper Money 1800 356 383 https://www.pepper.com.au//c/financial-hardship-assistance Resimac 1300 793 741 https://www.resimac.com.au/financial-hardship-assistance Suncorp 1800 225 223 https://www.suncorp.com.au//help/financial-difficulty.html Westpac 1800 067 497 https://www.westpac.com.au//disaster-rel/coronavirus.html/ See more

12.01.2022 Did you know that more than half (63.2%) of Australians think only the wealthy can achieve the great Australian dream of homeownership? Property ownership shouldn't be hard and we're here to help you get your foot in the door. Speak to us today.

12.01.2022 An investment property is a smart wealth creation tool. Whether it's your first time investing or you're growing your current portfolio, we have the right products to increase your borrowing power.

12.01.2022 I often get asked How do car loans work? Well, when you take out a car loan to buy a car, your lender purchases the car for you and allows you to pay it back over the course of the loan, according to its terms. Essentially, the lender gives you the service of using its money, and in exchange, you compensate the lender for its services by paying interest. Contact us today to find out more!

11.01.2022 How to keep the kids entertained and the parents sane these school holidays

11.01.2022 Personal loans. Not only are they often cheaper than credit cards but they will also reflect a lot better on a home loan application.

08.01.2022 If you are considering deferring your repayments on your home loan for up to 6 months, send me a message with your lender's name and I will send you the link to your lenders' online portal. #loandeferring #loanrepayments

08.01.2022 How Do Construction Loans Work? Your builder will give you a building contract and a progress payment schedule that outlines each stage of construction. Progress payments usually happen in five or six stages:... Deposit Paid after land settlement, before construction begins. Base Paid after the foundation slab is poured. Frame Paid after the exterior frame or walls are in place. Lock up Paid after the roof, external doors and windows are in place. Fit-out Paid after internal fittings and fixtures are installed. Completion Paid after the contracted build is completed. Your builder will give you an invoice after each stage is completed which you will need to provide via your lenders channel.

08.01.2022 Rate of the Week!

07.01.2022 Just a gentle reminder; it's almost EOFY again, so time to make sure all of your finances are in check.

07.01.2022 Are you looking to refinance your home loan? Ask us when and why you should refinance.

06.01.2022 Some helpful facts but please don't read this and think that all credit enquiries are bad. They are not, they're just not all created equally. It's actually really important to have a credit history. Even better is to have a positive credit report that reflects your perfect payment history!

06.01.2022 MONEY SAVING TIP OF THE WEEK! Don't skimp on preventive healthcare! For example, attend routine dental checkups to help prevent fillings, root canals, and dental crowns, which are expensive and no fun. It's better to pay a little now, than a LOT later.

05.01.2022 Great day learning more about commercial lending

05.01.2022 You’re kind testimonials mean so much to us here at I Know The Broker. There truly is no better feeling than knowing you have helped others!

04.01.2022 Want a free holiday on the house? Refinance with us and claim your 300,000 Qantas Points PLUS the chance to win one of 5 prizes of up to $500,000 off an eligible home loan. For more information, contact us today!

04.01.2022 Contact me today for a no obligation discussion on financing your dream home! From application to settlement, we make sure the process will be a smooth and stress free experience for you- As it should be.

04.01.2022 Being a mobile Mortgage Broker is great! Not only is it convenient for my clients as I am able to travel to meet them at a time and place that suits their busy schedule. It also allows me to check out all the local cafes on the Sunshine Coast!

03.01.2022 The Reserve Bank has cut interest rates to an historic low of 1%. This marks the first back-to-back cut since 2012, with the Reserve Bank dropping rates a further 0.25% since a meeting last month. This is the first time in history rates have been as low as 1%, with the potential for them to be cut again to 0.5% by November and once more at the beginning of 2020. Alongside better banking regulations and the previously flagged possibility of a relaxed stress test, the current r...ate cut is opening up many opportunities to enter the market. Contact us today to learn how you can take advantage of this historic rate and start your journey to homeownership.

03.01.2022 The assistant worn out after a long day in the office :)

03.01.2022 Thought about refinancing? We can help you take advantage of the latest interest rate cuts that could potentially save you thousands! Rates are at an all time low, so now's the time to switch.

03.01.2022 Know you can get the deposit but need it now? A deposit guarantee might be your answer...

02.01.2022 Are you paying more interest than you should be ?

02.01.2022 P's might get degrees when it come to uni, but credit scores are different. Don't rush it, pay your bills on time and speak to a specialist to understand where your credit score stands. Speak to us to find out why credit scores matter.

01.01.2022 'Comprehensive credit reporting' is being implemented soon - so what does that mean for you? Lenders are making it harder to borrow if you've had a history of bad debt. We can help you plan your finances right and reduce the risk of knock-back from the lenders.

01.01.2022 Owner occupied home loan rate. Contact me today to find out more!